# 时光分期 vs Topay

时光分期 and Topay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

时光分期 ships an update every 3 weeks, Topay every 5 weeks. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | 时光分期 | Topay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | — |
| Size | 61 MB | 44 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Media Today Group Pty Ltd](https://appshunter.io/developer/1036508522) |

## What reviewers say

### 时光分期

[App page](https://appshunter.io/ios/app/id946620973)

This app provides convenient and fast internet consumer credit services through partnerships with numerous banks and licensed financial institutions. It offers quick loan disbursement, simple online applications, and transparent interest rates starting from 7.2% annually. New users can receive a gift package, and larger loans may qualify for interest-free periods.

**Highlights:** Fast loan disbursement, Simple online application, Credit limit increase, Transparent annual rates from 7.2%, New user gift package, 30-day interest-free coupon for eligible loans

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Topay

[App page](https://appshunter.io/ios/app/topay/id1659570581)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 时光分期 free?

时光分期 is free to download, with no in-app purchases.

### Is Topay free?

Topay is free to download, with no in-app purchases.

### Do 时光分期 or Topay have ads?

Neither 时光分期 nor Topay shows ads.

### Which is updated more often, 时光分期 or Topay?

时光分期 ships an update every 3 weeks, and Topay every 5 weeks. Most recently, 时光分期 was updated on October 29, 2026 and Topay on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*